Standard Time Definition Q We are having a debate in our office about whether the effective time of a homeowners policy is altered by daylight saving…

Ultra-Light Aircraft Q Recently our client's garage was destroyed by fire. An "ultra-light" aircraft, valued at $14,000 was also destroyed in the…

Vehicle as a Cause of Loss on HO-3 Q Our HO-3 insured has a riding lawn mower. One day, while mowing his yard, which slopes, the mower got out of…

Trees, Lawns, and Shrubs Our insured has a home insured on an HO 00 03 10 00 for $405,000. He suffered a fire loss, and consequently there was much…

Replacement of Home—How Is Amount Determined? Q We are in the process of adjusting a large fire loss under a homeowners policy (HO 3). The estimated…

Structures—What is "Attached?" Q We have a homeowners claim (HO 00 03 10 00) involving a garage that, except for the wall facing the dwelling,…

Scorching—Not a Named Peril Q We have a somewhat unusual loss. Our insured has an HO-3. He recently discovered his sofa appears to have been…

Sales Tax and Total Homeowners Loss Q We are an independent adjusting firm. We have been hired to handle a bad house fire. The home and the personal…

Named Insured does not Occupy Residence Premises—One Our agent placed a homeowners policy with our company. The named insured has never occupied…

Pollution Exclusion Applies to Cleanup of Corpse? June, 2002 We are adjusting a claim for the cost of cleaning up a corpse that had decayed within an…